:root{
  --ink:#0b1220; --ink-2:#111a2e; --text:#1e293b; --muted:#475569; --subtle:#64748b;
  --line:#e2e8f0; --line-2:#cbd5e1; --bg:#fff; --soft:#f8fafc; --soft-2:#f1f5f9;
  --brand:#0369a1; --brand-hover:#075985; --brand-bright:#38bdf8; --brand-tint:#e0f2fe; --brand-wash:#f0f9ff;
  --green:#047857; --green-tint:#ecfdf5;
  --radius:14px; --radius-lg:20px;
  --shadow-sm:0 1px 2px rgba(15,23,42,.06);
  --shadow:0 1px 3px rgba(15,23,42,.06),0 8px 24px -12px rgba(15,23,42,.18);
  --shadow-lg:0 2px 6px rgba(15,23,42,.06),0 24px 48px -20px rgba(15,23,42,.35);
  --wrap:1180px;
}
*,*::before,*::after{box-sizing:border-box}
html{-webkit-text-size-adjust:100%;scroll-behavior:smooth;scroll-padding-top:88px}
body{margin:0;font-family:Inter,ui-sans-serif,system-ui,-apple-system,"Segoe UI",Roboto,Arial,sans-serif;font-size:17px;line-height:1.65;color:var(--text);background:var(--bg);-webkit-font-smoothing:antialiased;text-rendering:optimizeLegibility}
img{max-width:100%;display:block}
a{color:var(--brand);text-decoration:none}
a:visited{color:var(--brand)}
a:hover{color:var(--brand-hover)}
h1,h2,h3{color:var(--ink);line-height:1.2;letter-spacing:-.02em;margin:0}
p{margin:0 0 1.1em}
.ic{flex:none;vertical-align:middle}
.wrap{max-width:var(--wrap);margin:0 auto;padding:0 24px}
.sr-only{position:absolute;width:1px;height:1px;padding:0;margin:-1px;overflow:hidden;clip:rect(0,0,0,0);white-space:nowrap;border:0}
.skip{position:absolute;left:16px;top:-60px;z-index:100;background:var(--ink);color:#fff;padding:10px 16px;border-radius:10px;font-weight:600}
.skip:focus{top:12px;color:#fff}
:focus-visible{outline:3px solid var(--brand-bright);outline-offset:3px;border-radius:6px}

/* buttons */
.btn{display:inline-flex;align-items:center;justify-content:center;gap:10px;min-height:48px;padding:12px 22px;border-radius:12px;font-weight:600;font-size:16px;line-height:1.2;border:1px solid transparent;transition:background-color .15s ease,border-color .15s ease,color .15s ease,box-shadow .15s ease,transform .15s ease;cursor:pointer;white-space:nowrap}
.btn:active{transform:translateY(1px)}
.btn-primary,.btn-primary:visited{background:var(--brand);color:#fff;box-shadow:0 1px 2px rgba(3,105,161,.3),inset 0 1px 0 rgba(255,255,255,.12)}
.btn-primary:hover{background:var(--brand-hover);color:#fff}
.btn-ghost-dark,.btn-ghost-dark:visited{color:#fff;border-color:rgba(255,255,255,.28);background:rgba(255,255,255,.06)}
.btn-ghost-dark:hover{color:#fff;border-color:rgba(255,255,255,.55);background:rgba(255,255,255,.12)}
.btn-white,.btn-white:visited{background:#fff;color:var(--ink)}
.btn-white:hover{background:var(--brand-tint);color:var(--ink)}
.btn-sm{min-height:40px;padding:8px 16px;font-size:15px;border-radius:10px}
.btn .ic{transition:transform .15s ease}
.btn:hover .ic-arrow{transform:translateX(3px)}

/* header */
.site-header{position:sticky;top:0;z-index:50;background:rgba(255,255,255,.88);-webkit-backdrop-filter:saturate(180%) blur(12px);backdrop-filter:saturate(180%) blur(12px);border-bottom:1px solid var(--line)}
.site-header .wrap{display:flex;align-items:center;gap:24px;height:68px}
.brand,.brand:visited{display:flex;align-items:center;gap:10px;color:var(--ink);font-weight:800;font-size:19px;letter-spacing:-.02em}
.brand:hover{color:var(--ink)}
.brand img{width:32px;height:32px}
.nav{display:none;gap:4px;margin-left:12px}
.nav a,.nav a:visited{color:var(--muted);font-size:15px;font-weight:500;padding:8px 12px;border-radius:8px}
.nav a:hover{color:var(--ink);background:var(--soft-2)}
.nav a[aria-current="page"]{color:var(--ink);background:var(--soft-2)}
.header-cta{margin-left:auto;display:flex;align-items:center;gap:8px}
.link-quiet,.link-quiet:visited{color:var(--muted);font-weight:500;font-size:15px;padding:8px 10px}
.link-quiet:hover{color:var(--ink)}
@media (min-width:1080px){.nav{display:flex}}

/* hero */
.hero{position:relative;isolation:isolate;overflow:hidden;background:var(--ink);color:#e2e8f0}
.hero-media{position:absolute;inset:0;z-index:-2;background:var(--ink) url('/images/lp-hero.jpg') 70% center/cover no-repeat;background-image:image-set(url('/images/lp-hero.webp') type('image/webp'),url('/images/lp-hero.jpg') type('image/jpeg'))}
.hero::before{content:"";position:absolute;inset:0;z-index:-1;background:linear-gradient(90deg,rgba(11,18,32,.97) 0%,rgba(11,18,32,.92) 42%,rgba(11,18,32,.72) 70%,rgba(11,18,32,.55) 100%),radial-gradient(900px 420px at 12% 0%,rgba(56,189,248,.18),transparent 60%)}
.hero .wrap{display:grid;gap:40px;padding-top:56px;padding-bottom:64px}
.crumbs{display:flex;flex-wrap:wrap;align-items:center;gap:8px;font-size:14px;color:#94a3b8;margin-bottom:22px}
.crumbs a,.crumbs a:visited{color:#cbd5e1}
.crumbs a:hover{color:#fff}
.eyebrow{display:inline-flex;align-items:center;gap:8px;padding:6px 12px 6px 8px;border-radius:999px;background:rgba(56,189,248,.12);border:1px solid rgba(56,189,248,.3);color:#bae6fd;font-size:13px;font-weight:600;letter-spacing:.02em;margin-bottom:20px}
.eyebrow .dot{display:grid;place-items:center;width:24px;height:24px;border-radius:999px;background:rgba(56,189,248,.2);color:#e0f2fe}
.hero h1{color:#fff;font-size:clamp(36px,5.2vw,58px);font-weight:800;letter-spacing:-.035em;line-height:1.05;margin-bottom:20px;text-wrap:balance}
.hero .lead{font-size:clamp(18px,1.6vw,20px);color:#cbd5e1;max-width:40ch;margin-bottom:30px;text-wrap:pretty}
.hero-actions{display:flex;flex-wrap:wrap;gap:12px}
.hero-note{display:flex;flex-wrap:wrap;gap:6px 18px;margin-top:22px;font-size:14px;color:#94a3b8}
.hero-note span{display:inline-flex;align-items:center;gap:6px}
.hero-note .ic{color:var(--brand-bright)}
.stats{align-self:end;display:grid;grid-template-columns:1fr 1fr;gap:1px;background:rgba(255,255,255,.1);border:1px solid rgba(255,255,255,.12);border-radius:var(--radius-lg);overflow:hidden;-webkit-backdrop-filter:blur(8px);backdrop-filter:blur(8px)}
.stat{background:rgba(11,18,32,.72);padding:22px 22px 20px}
.stat b{display:block;color:#fff;font-size:30px;font-weight:800;letter-spacing:-.03em;line-height:1.1;font-variant-numeric:tabular-nums}
.stat span{display:block;margin-top:6px;font-size:14px;color:#94a3b8;line-height:1.35}
.stat.accent b{color:var(--brand-bright)}
.stat-dd{margin:0}
@media (min-width:960px){.hero .wrap{grid-template-columns:minmax(0,1.35fr) minmax(0,1fr);align-items:end;padding-top:72px;padding-bottom:88px}}

/* article */
.article{padding:72px 0 24px}
.article .wrap{display:grid;gap:48px}
@media (min-width:1024px){.article .wrap{grid-template-columns:minmax(0,1fr) 300px;gap:72px}}
.meta{display:flex;flex-wrap:wrap;gap:8px 20px;font-size:14px;color:var(--subtle);margin-bottom:28px}
.meta span{display:inline-flex;align-items:center;gap:6px}
.intro p{font-size:19px;line-height:1.7;color:var(--text)}
.intro p:first-child{font-size:21px;color:var(--ink);letter-spacing:-.005em}
.prose{max-width:720px}
.block{padding-top:44px;margin-top:44px;border-top:1px solid var(--line)}
.block h2{font-size:clamp(24px,2.4vw,30px);font-weight:700;margin-bottom:18px}
.block p{color:var(--muted)}
.checks{list-style:none;padding:0;margin:8px 0 0;display:grid;gap:12px}
.checks li{display:flex;gap:14px;align-items:flex-start;padding:16px 18px;background:var(--soft);border:1px solid var(--line);border-radius:12px;color:var(--text);line-height:1.55}
.checks .tick{display:grid;place-items:center;width:26px;height:26px;border-radius:8px;background:var(--brand-tint);color:var(--brand);flex:none;margin-top:1px}

/* aside */
.aside{display:none}
@media (min-width:1024px){.aside{display:block}}
.aside-inner{position:sticky;top:96px;display:grid;gap:20px}
.toc{border:1px solid var(--line);border-radius:var(--radius);padding:20px 20px 12px}
.toc h2{font-size:13px;text-transform:uppercase;letter-spacing:.08em;color:var(--subtle);font-weight:700;margin-bottom:10px}
.toc ol{list-style:none;margin:0;padding:0}
.toc a,.toc a:visited{display:block;padding:8px 0 8px 12px;border-left:2px solid var(--line);color:var(--muted);font-size:15px;line-height:1.4}
.toc a:hover{color:var(--ink);border-left-color:var(--brand)}
.cta-card{border-radius:var(--radius);padding:24px;background:linear-gradient(160deg,var(--ink) 0%,#0c2a45 100%);color:#cbd5e1;box-shadow:var(--shadow)}
.cta-card h2{color:#fff;font-size:20px;margin-bottom:8px}
.cta-card p{font-size:15px;margin-bottom:18px}
.cta-card .btn{width:100%}

/* sections */
.section{padding:88px 0}
.section-soft{background:var(--soft);border-top:1px solid var(--line);border-bottom:1px solid var(--line)}
.section-head{display:flex;flex-wrap:wrap;align-items:flex-end;justify-content:space-between;gap:16px 32px;margin-bottom:36px}
.section-head h2{font-size:clamp(28px,3vw,38px);font-weight:800;letter-spacing:-.03em}
.section-head p{margin:10px 0 0;color:var(--muted);max-width:60ch}
.kicker{display:block;font-size:13px;font-weight:700;letter-spacing:.08em;text-transform:uppercase;color:var(--brand);margin-bottom:10px}

/* profile cards */
.cards{display:grid;gap:20px}
@media (min-width:760px){.cards{grid-template-columns:1fr 1fr}}
.card{display:flex;flex-direction:column;background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:24px;box-shadow:var(--shadow-sm);transition:border-color .15s ease,box-shadow .2s ease,transform .2s ease}
.card:hover{border-color:var(--line-2);box-shadow:var(--shadow);transform:translateY(-2px)}
.card-top{display:flex;align-items:center;gap:14px;margin-bottom:16px}
.avatar{width:52px;height:52px;border-radius:999px;object-fit:cover;flex:none;background:var(--soft-2);box-shadow:0 0 0 3px #fff,0 0 0 4px var(--line)}
.avatar-empty{display:grid;place-items:center;color:var(--subtle)}
.who{min-width:0;flex:1}
.who h3{font-size:17px;font-weight:700;white-space:nowrap;overflow:hidden;text-overflow:ellipsis}
.who p{margin:2px 0 0;font-size:14px;color:var(--subtle);display:flex;align-items:center;gap:5px;white-space:nowrap;overflow:hidden;text-overflow:ellipsis}
.badge{flex:none;display:inline-flex;align-items:center;gap:6px;font-size:12.5px;font-weight:600;padding:5px 10px;border-radius:999px;white-space:nowrap}
.badge::before{content:"";width:6px;height:6px;border-radius:99px;background:currentColor}
.badge-inv{background:var(--green-tint);color:var(--green)}
.badge-seek{background:var(--brand-wash);color:var(--brand)}
.bio{flex:1;margin:0;color:var(--muted);font-size:15.5px;line-height:1.65;display:-webkit-box;-webkit-line-clamp:4;-webkit-box-orient:vertical;overflow:hidden;overflow-wrap:anywhere}
.card-foot{display:flex;align-items:center;justify-content:space-between;gap:12px;margin-top:20px;padding-top:16px;border-top:1px solid var(--soft-2)}
.amount b{display:block;color:var(--ink);font-size:18px;font-weight:700;letter-spacing:-.01em;font-variant-numeric:tabular-nums}
.amount span{font-size:13px;color:var(--subtle)}
.link-arrow,.link-arrow:visited{display:inline-flex;align-items:center;gap:6px;font-weight:600;font-size:15px;color:var(--brand)}
.link-arrow:hover{color:var(--brand-hover)}
.link-arrow:hover .ic{transform:translateX(3px)}
.link-arrow .ic{transition:transform .15s ease}
.empty{padding:40px;text-align:center;background:#fff;border:1px dashed var(--line-2);border-radius:var(--radius);color:var(--muted)}
.center{text-align:center;margin-top:36px}

/* steps */
.steps{display:grid;gap:20px;counter-reset:s;list-style:none;margin:0;padding:0}
@media (min-width:860px){.steps{grid-template-columns:repeat(3,1fr)}}
.step{position:relative;padding:28px;border:1px solid var(--line);border-radius:var(--radius);background:#fff}
.step-num{display:grid;place-items:center;width:40px;height:40px;border-radius:12px;background:var(--ink);color:#fff;font-weight:700;font-size:16px;margin-bottom:18px}
.step h3{font-size:19px;margin-bottom:8px}
.step p{margin:0;color:var(--muted);font-size:16px}

/* faq */
.faq{max-width:820px;margin:0 auto}
.faq details{border:1px solid var(--line);border-radius:var(--radius);background:#fff;margin-bottom:12px;transition:border-color .15s ease,box-shadow .15s ease}
.faq details[open]{border-color:var(--line-2);box-shadow:var(--shadow-sm)}
.faq summary{list-style:none;cursor:pointer;display:flex;align-items:center;justify-content:space-between;gap:20px;padding:20px 22px;border-radius:var(--radius)}
.faq summary::-webkit-details-marker{display:none}
.faq summary h3{font-size:17px;font-weight:600;letter-spacing:-.01em}
.faq .pm{display:grid;place-items:center;width:32px;height:32px;border-radius:999px;background:var(--soft-2);color:var(--ink);flex:none;transition:transform .2s ease,background-color .15s ease}
.faq details[open] .pm{transform:rotate(45deg);background:var(--brand-tint);color:var(--brand)}
.faq .answer{padding:0 22px 20px;color:var(--muted)}
.faq .answer p{margin:0}
.disclaimer{max-width:820px;margin:28px auto 0;font-size:14px;color:var(--subtle);text-align:center}

/* big cta */
.band{padding:0 0 96px}
.band-inner{position:relative;overflow:hidden;border-radius:24px;padding:56px 32px;text-align:center;background:linear-gradient(135deg,#0b1220 0%,#0c2a45 55%,#075985 100%);color:#cbd5e1}
.band-inner::after{content:"";position:absolute;inset:auto -10% -60% auto;width:520px;height:520px;border-radius:50%;background:radial-gradient(closest-side,rgba(56,189,248,.35),transparent);pointer-events:none}
.band h2{color:#fff;font-size:clamp(28px,3.4vw,42px);font-weight:800;letter-spacing:-.03em;margin-bottom:12px;text-wrap:balance}
.band p{font-size:18px;margin:0 auto 28px;max-width:52ch}
.band .hero-actions{justify-content:center;position:relative;z-index:1}

/* related */
.related{display:grid;gap:16px}
@media (min-width:760px){.related{grid-template-columns:repeat(3,1fr)}}
.rel,.rel:visited{display:flex;flex-direction:column;gap:10px;padding:24px;border:1px solid var(--line);border-radius:var(--radius);background:#fff;color:var(--text);transition:border-color .15s ease,box-shadow .2s ease,transform .2s ease}
.rel:hover{border-color:var(--line-2);box-shadow:var(--shadow);transform:translateY(-2px);color:var(--text)}
.rel-icon{display:grid;place-items:center;width:44px;height:44px;border-radius:12px;background:var(--brand-wash);color:var(--brand)}
.rel h3{font-size:18px}
.rel p{margin:0;color:var(--muted);font-size:15px;line-height:1.55;flex:1}
.rel .link-arrow{margin-top:4px}

/* footer */
.site-footer{background:var(--ink);color:#94a3b8;padding:64px 0 32px;font-size:15px}
.foot-grid{display:grid;gap:36px}
@media (min-width:860px){.foot-grid{grid-template-columns:1.4fr 1fr 1fr 1fr}}
.site-footer .brand,.site-footer .brand:visited{color:#fff}
.site-footer p{margin:14px 0 0;max-width:36ch;line-height:1.6}
.site-footer h2{color:#fff;font-size:14px;font-weight:700;letter-spacing:.06em;text-transform:uppercase;margin-bottom:14px}
.site-footer ul{list-style:none;margin:0;padding:0;display:grid;gap:10px}
.site-footer a,.site-footer a:visited{color:#cbd5e1}
.site-footer a:hover{color:#fff}
.foot-bottom{margin-top:48px;padding-top:24px;border-top:1px solid rgba(255,255,255,.1);display:flex;flex-wrap:wrap;justify-content:space-between;gap:12px;font-size:14px}
.contact-line{display:inline-flex;align-items:center;gap:8px}

@media (max-width:640px){
  body{font-size:16px}
  .wrap{padding:0 16px}
  .site-header .wrap{height:60px;gap:12px}
  .brand{font-size:17px}
  .link-quiet{font-size:14px;padding:8px 4px}
  .header-cta .btn-sm{padding:8px 14px}
  .hero .wrap{padding-top:36px;padding-bottom:44px;gap:32px}
  .hero-actions .btn{width:100%}
  .stat{padding:18px 16px}
  .stat b{font-size:24px}
  .article{padding-top:48px}
  .intro p{font-size:17px}
  .intro p:first-child{font-size:19px}
  .section{padding:64px 0}
  .card{padding:20px}
  .band{padding-bottom:64px}
  .band-inner{padding:44px 20px;border-radius:20px}
  .band .btn{width:100%}
  .faq summary{padding:18px}
  .faq .answer{padding:0 18px 18px}
}
@media (prefers-reduced-motion:reduce){*{transition:none!important;scroll-behavior:auto!important}}

/* ---- v3 additions (guides dropdown, quick answer, snapshot, hub) ---- */
.navdrop{position:relative;display:none;margin-left:8px}
@media (min-width:900px){.navdrop{display:block}}
.navdrop>summary{list-style:none;cursor:pointer;display:inline-flex;align-items:center;gap:6px;color:var(--muted);font-size:15px;font-weight:500;padding:8px 12px;border-radius:8px}
.navdrop>summary::-webkit-details-marker{display:none}
.navdrop>summary:hover,.navdrop[open]>summary{color:var(--ink);background:var(--soft-2)}
.navdrop[open]>summary .ic{transform:rotate(180deg)}
.navdrop>summary .ic{transition:transform .2s ease}
.navpanel{position:absolute;top:calc(100% + 10px);left:0;width:min(760px,calc(100vw - 48px));background:#fff;border:1px solid var(--line);border-radius:16px;box-shadow:var(--shadow-lg);padding:20px;display:grid;grid-template-columns:repeat(3,1fr);gap:8px 20px}
.navpanel h2{font-size:12px;text-transform:uppercase;letter-spacing:.08em;color:var(--subtle);font-weight:700;margin:4px 10px 6px}
.navpanel a,.navpanel a:visited{display:flex;align-items:center;gap:10px;padding:8px 10px;border-radius:10px;color:var(--text);font-size:15px;font-weight:500;line-height:1.3}
.navpanel a:hover{background:var(--soft-2);color:var(--ink)}
.navpanel a[aria-current="page"]{background:var(--brand-wash);color:var(--brand)}
.navpanel .ni{display:grid;place-items:center;width:30px;height:30px;border-radius:8px;background:var(--brand-wash);color:var(--brand);flex:none}
.navpanel .all{grid-column:1/-1;border-top:1px solid var(--line);margin-top:8px;padding-top:12px}
.navpanel .all a{justify-content:center;color:var(--brand);font-weight:600}
.guides-link,.guides-link:visited{color:var(--muted);font-weight:500;font-size:14px;padding:8px 4px}
@media (min-width:900px){.guides-link{display:none}}

.answer-box{position:relative;margin:0 0 36px;padding:22px 24px 22px 24px;border-radius:var(--radius);background:linear-gradient(180deg,var(--brand-wash),#fff);border:1px solid #bae6fd}
.answer-box .label{display:inline-flex;align-items:center;gap:8px;font-size:13px;font-weight:700;letter-spacing:.06em;text-transform:uppercase;color:var(--brand);margin-bottom:10px}
.answer-box p{margin:0;font-size:18px;line-height:1.65;color:var(--ink)}

.snapshot{display:flex;flex-wrap:wrap;gap:10px;margin:-12px 0 32px}
.chip{display:inline-flex;align-items:center;gap:8px;padding:8px 14px;border-radius:999px;background:#fff;border:1px solid var(--line);font-size:14px;color:var(--muted)}
.chip b{color:var(--ink);font-weight:600}
.chip .ic{color:var(--brand)}

.hub-group{margin-bottom:56px}
.hub-group>h2{font-size:clamp(22px,2.2vw,28px);margin-bottom:20px}
.hub-grid{display:grid;gap:16px}
@media (min-width:640px){.hub-grid{grid-template-columns:1fr 1fr}}
@media (min-width:1000px){.hub-grid{grid-template-columns:repeat(3,1fr)}}
.rel .count{font-size:13px;color:var(--subtle);font-weight:500}

.site-footer .guides-cols{columns:2;column-gap:24px}
.site-footer .guides-cols li{break-inside:avoid;margin-bottom:10px}
@media (min-width:860px){.foot-grid{grid-template-columns:1.2fr 1.6fr .9fr 1fr}}
.site-footer ul.guides-cols{display:block}
.header-cta a{white-space:nowrap}
@media (max-width:420px){.guides-link{display:none}.header-cta{gap:4px}}
.subhead{font-size:20px;font-weight:700;letter-spacing:-.01em;margin:44px 0 18px}
.nearby .snapshot{margin:0}
.chip-link,.chip-link:visited{color:var(--muted);transition:border-color .15s ease,background-color .15s ease}
.chip-link:hover{border-color:var(--brand);background:var(--brand-wash);color:var(--ink)}
.state-grid{display:grid;gap:12px}
@media (min-width:560px){.state-grid{grid-template-columns:repeat(2,minmax(0,1fr))}}
@media (min-width:900px){.state-grid{grid-template-columns:repeat(3,minmax(0,1fr))}}
@media (min-width:1140px){.state-grid{grid-template-columns:repeat(4,minmax(0,1fr))}}
.state-card,.state-card:visited{min-width:0;display:flex;align-items:center;gap:14px;padding:14px 16px;border:1px solid var(--line);border-radius:12px;background:#fff;color:var(--text);transition:border-color .15s ease,box-shadow .2s ease,transform .2s ease}
.state-card:hover{border-color:var(--line-2);box-shadow:var(--shadow);transform:translateY(-1px);color:var(--text)}
.state-abbr{display:grid;place-items:center;width:42px;height:42px;border-radius:10px;background:var(--brand-wash);color:var(--brand);font-weight:800;font-size:14px;letter-spacing:.02em;flex:none}
.state-body{min-width:0;flex:1;display:flex;flex-direction:column;line-height:1.35}
.state-body b{color:var(--ink);font-size:16px;white-space:nowrap;overflow:hidden;text-overflow:ellipsis}
.state-body span{font-size:13px;color:var(--subtle);white-space:nowrap;overflow:hidden;text-overflow:ellipsis}
.state-body .state-count{margin-top:4px;font-size:12.5px;font-weight:600;color:var(--brand)}
.state-body .state-count.is-empty{color:var(--subtle);font-weight:500}
.state-go{color:var(--line-2);transition:transform .15s ease,color .15s ease}
.state-card:hover .state-go{color:var(--brand);transform:translateX(3px)}